Introduction
This document sets out the terms and conditions ('Terms') governing your use of this website (the 'Site'). This Site is operated by HSBC Bank plc, which is owned by HSBC Holdings plc. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy ('Cookie Policy') and website privacy notice.
HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 114216. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number 14259 and its registered office at: 8 Canada Square, London E14 5HQ. HSBC Bank plc's registered VAT Number is GB 365684514.
HSBC Bank plc Jersey Branch is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business. HSBC Bank plc Guernsey Branch is licensed by the Guernsey Financial Services Commission for Banking, Insurance and Investment Business. In the Isle of Man HSBC Bank plc is licensed by the Isle of Man Financial Services Authority.
HSBC Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice. More detail about this is available on the Lending Standards Board website (These links may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for your use of it.)
In these provisions
'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
'you', 'your' and 'yours' means you, the person(s) accessing this Site and the party on whose behalf you are doing so 'we', 'us' and 'our' means HSBC Bank plc. 'HSBC Group' means HSBC Holdings plc, its subsidiaries and associated companies from time to time.
Site terms
These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.
We may change the content or services found on our Site at any time without notice, and consequently the Terms may change at any time in the future.
Information not recommendation
Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.
Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.
Third party sites and endorsements
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.
Trade marks and copyright
Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Bank plc unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.
Internet and email
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.
We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling 0345 600 6161.
Governing law
These Terms are governed by the Channel Islands and Isle of Man, local law depending upon the island where your accounts are held. Alderney and Sark are governed by the laws of the Bailiwick of Guernsey. The relevant courts will have non-exclusive jurisdiction in respect of any disputes which arise
Your queries
If you wish to contact HSBC Bank plc, please refer to the Contact Us link which can be found on each page of the site.
The Site is currently intended for those who access it from within the Channel Islands and Isle of Man. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Authorised Countries which are any jurisdictions where HSBC Bank plc is licensed or authorised to perform such activities.
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the local site(s) associated with your country of residence (“Your Local Site”). If you own products that are not discussed on Your Local Site, information about such products may be accessible on another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you. Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services subject to status.
Products discussed on this Site may not have been registered or authorised by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.
No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site are not the result of an offer made by HSBC Bank plc or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.
The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the codes of practice required by our regulators or banking legislation.
While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.
We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.
Your privacy
Your privacy is important to us. This notice (Privacy Notice) applies to personal information we collect from you when you use this website. If you’re a HSBC customer, or otherwise have a relationship with us, we may also have provided you with a separate privacy notice setting out how we use your personal information, which will also apply. You can also find that privacy notice by visiting the website for the product or services we provide you (for example, https://ciiom.hsbc.com/) or by contacting your customer service team.
Some of the links on this website may lead to HSBC or non-HSBC websites with their own privacy notices, which may be different to this Privacy Notice, and you should read those notices carefully.
Please note that this website is hosted in Jersey and issued by HSBC Bank plc Jersey Branch. For us to address any concerns, comments or complaints about this website most effectively, we recommend that these should be directed to either to our customer service team (details on the website), our data protection officer in Jersey or the local data protection regulator (details provided below).
For the purposes of this Privacy Notice, the data controller will be HSBC Bank plc, a company incorporated in England and Wales and operating in the Channel Islands and Isle of Man through locally regulated branches. HSBC Bank plc’s registered office is 8 Canada Square, London, E14 5HQ, United Kingdom.
The address for HSBC Bank plc (Jersey Branch) is HSBC House, Esplanade, St Helier, Jersey JE1 1HS, Channel Islands; for HSBC Bank plc (Guernsey Branch) it is Arnold House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3NF, Channel Islands; and for HSBC Bank plc (Isle of Man Branch) it is HSBC House,
Ridgeway St, Douglas IM1 2SG, Isle of Man.
We’ve also set out contact details for our data protection officer towards the end of this notice.
Information we may collect from you
We may collect and process the following information about you:
- Information that you provide to us, such as when you fill out a contact or web form, or if you register to receive alerts or updates
- Information that we obtain or learn, such as information about the browser or device you use to access this site, how you use this site and the pages you
visit, traffic and location data
We may also ask you for information if you experience problems when using this site. We may also ask you to complete surveys for research purposes, although you don’t have to respond to these.
If we have an existing relationship with you, and we are able to identify you from information obtained or provided by your use of the site, we may associate those sets of information, for example to enable us to respond to a query you have submitted.
Please note that this website is not designed or intended for children and we do not knowingly collect data relating to children.
How we use your information
We’ll only use your information where we have your consent or we have another lawful reason for using it. Unless we say otherwise below, we’ll use your personal information on the basis that it’s within our legitimate interests in operating and maintaining the site, and providing you with site functionality and related services.
We use information provided or obtained via this site to:
- respond to your queries and reports (for example, if you’ve asked a question or submitted a report via the site)
- provide you with information, products or services you have requested or which we think may interest you, unless you tell us otherwise
- carry out our obligations from any contracts entered into between you and us
- allow you to participate in any interactive features of the site
- notify you about changes to the site
- provide you with alerts or updates where you’ve consented to receive these by registering on the site. You can opt out of these at any time by clicking the “unsubscribe” link at the bottom of each email we send you.
- ensure site content is presented in the most effective manner for the device you’re accessing it from (e.g. your mobile phone, personal computer or other electronic device)
- undertake data analytics to learn more about how you and others interact with this site and with our advertising
- detect and prevent misuse or abuse of this site or our services
We also use information to meet our compliance obligations, to comply with applicable laws and regulations and to share with regulators and other authorities that HSBC Group companies are subject to. This may include using it to help detect or prevent crime (including terrorism financing, money laundering and other financial crimes). We’ll only do this on the basis that it’s needed to comply with a legal obligation, it’s in our legitimate interests and that of others or to prevent or detect unlawful acts.
Who we’ll share your information with
We may share your information in order to provide you with products or services you’ve requested (for example, if they’re not provided by the HSBC entity operating this site), if we have a legitimate interest in doing so (e.g. to manage risk, verify your identity, to combat fraud, abuse of our site or services), or where you’ve agreed to us doing so.
We may share your information with others including other HSBC group companies and (where legitimate and necessary) any of our service providers, anyone else whose products and services you’ve requested, anyone who we’re under an obligation to disclose information to or where it’s in the public interest, for example to prevent or detect fraud, abuse of our site or services).
IP addresses
We may collect information about your computer (or mobile device), including where available your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
Cookies
We use cookies and similar technologies to distinguish you from other users of this site, to improve your experience when accessing this site, and to improve
the site. Detailed information on the cookies we use and the purposes for which we use them are set out in our Cookie Policy.
How long we’ll keep your information
We keep your information in line with our data retention policy. For example, we’ll normally keep correspondence for a period of six months. This enables us to comply with legal and regulatory requirements or use it where we need to for our legitimate purposes such as dealing with any enquiries.”
We may need to retain your information for a longer period where we need the information to comply with regulatory or legal requirements or where we may need it for our legitimate purposes, e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc.
If we don’t need to retain information for this period of time, we may destroy, delete or anonymise it more promptly.
Transferring your information overseas
Your information may be transferred to and stored in locations outside the Channel Islands and Isle of Man or the European Economic Area (EEA), including countries that may not have the same level of protection for personal information. When we do this, we’ll ensure it has an appropriate level of protection and that the transfer is lawful.
You can obtain more details of the protection given to your information when it’s transferred outside the Channel Islands and the Isle of Man and EEA by contacting us using the details in the ‘More details about your information’ section below.
Your rights
You have a number of rights in relation to the information that we hold about you. These rights include:
- the right to access information we hold about you and to obtain information about how we process it;
- in some circumstances, the right to withdraw your consent to our processing of your information, which you can do at any time. We may continue to process your information if we have another legitimate reason for doing so;
- in some circumstances, the right to receive certain information you have provided to us in an electronic format and / or request that we transmit it to a third party;
- the right to request that we rectify your information if it’s inaccurate or incomplete;
- in some circumstances, the right to request that we erase your information. We may continue to retain your information if we’re entitled or required to retain it;
- the right to object to, and to request that we restrict, our processing of your information in some circumstances. Again, there may be situations where you object to, or ask us to restrict, our processing of your information but we’re entitled to continue processing your information and / or to refuse that request.
You can exercise your rights by contacting us using the details set out in the ‘More details about your information’ section below.
You have also the right to complain to the data protection regulator in the country where you live or work. For Channel Islands and Isle of Man, these are:
- the Office of the information Commissioner in Jersey by visiting www.dataci.je
- the Office of the Data Protection Commissioner in Guernsey, by visiting www.dataci.gg
- the Information Commissioner in the Isle of Man by visiting www.inforights.im
In addition if you are dissatisfied with the decision you may have a right of appeal to the courts.
How we keep your information secure
We use a range of measures to keep your information safe and secure which may include encryption and other forms of security. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information.
More details about your information
If you’d like further information on anything we’ve said in this Privacy Notice, or to contact our Data Protection Officer, contact us at HSBC House, Esplanade,
St Helier, JE1 1HS, Jersey, addressed ‘for the attention of the DPO’.
This Privacy Notice may be updated from time to time, and you’ll always be able to find the most recent version on https://ciiom.hsbc.com/legal/.
Last updated: 21st May 2018
Social Media
Our Social Media Policy is applicable to all of the HSBC Bank plc branches across the Channel Islands and the Isle of Man. Our social media is administered by HSBC Bank Plc, Jersey Branch. HSBC Bank Plc, Jersey Branch operates channels, pages and accounts on social media sites to inform, assist and engage with customers and the public. We monitor and record comments and posts made on these channels so that we can improve our services.
We are not responsible for any content posted on these sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information or content posted on them by other users.
We do not give investment, tax or other advice via social media sites.
When you engage with us via social media your personal data may be stored and processed on servers which are outside our control. These may be in the US
or elsewhere outside of the Channel Islands and the Isle of Man. Any information posted to these social media sites may be accessed and read by the general public. As this information is not confidential, you should not discuss your financial affairs or confidential information on social media. We will never ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.
We update and monitor our social media accounts and welcome feedback and ideas submitted via these channels. We endeavor to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to our social media accounts.
HSBC Channel Islands & Isle of Man on Facebook:
Follow us at https://www.facebook.com/HSBC.ChannelIslands.IsleofMan/
Intro
Introduction
This document sets out the terms and conditions ('Terms') governing your use of this website (the 'Site'). This Site is operated by HSBC Bank plc, which is owned by HSBC Holdings plc. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy ('Cookie Policy') and website privacy notice.
HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 114216. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number 14259 and its registered office at: 8 Canada Square, London E14 5HQ. HSBC Bank plc's registered VAT Number is GB 365684514.
HSBC Bank plc Jersey Branch is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation and Investment Business. HSBC Bank plc Guernsey Branch is licensed by the Guernsey Financial Services Commission for Banking, Insurance and Investment Business. In the Isle of Man HSBC Bank plc is licensed by the Isle of Man Financial Services Authority.
HSBC Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice. More detail about this is available on the Lending Standards Board website (These links may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for your use of it.)
In these provisions
'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
'you', 'your' and 'yours' means you, the person(s) accessing this Site and the party on whose behalf you are doing so 'we', 'us' and 'our' means HSBC Bank plc. 'HSBC Group' means HSBC Holdings plc, its subsidiaries and associated companies from time to time.
Site terms
These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.
We may change the content or services found on our Site at any time without notice, and consequently the Terms may change at any time in the future.
Information not recommendation
Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.
Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.
Third party sites and endorsements
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.
Trade marks and copyright
Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Bank plc unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.
Internet and email
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.
We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling 0345 600 6161.
Governing law
These Terms are governed by the Channel Islands and Isle of Man, local law depending upon the island where your accounts are held. Alderney and Sark are governed by the laws of the Bailiwick of Guernsey. The relevant courts will have non-exclusive jurisdiction in respect of any disputes which arise
Your queries
If you wish to contact HSBC Bank plc, please refer to the Contact Us link which can be found on each page of the site.
Users
The Site is currently intended for those who access it from within the Channel Islands and Isle of Man. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Authorised Countries which are any jurisdictions where HSBC Bank plc is licensed or authorised to perform such activities.
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the local site(s) associated with your country of residence (“Your Local Site”). If you own products that are not discussed on Your Local Site, information about such products may be accessible on another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you. Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services subject to status.
Products discussed on this Site may not have been registered or authorised by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.
No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site are not the result of an offer made by HSBC Bank plc or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.
Warranties
The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the codes of practice required by our regulators or banking legislation.
While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.
We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.
Website Privacy Notice
Your privacy
Your privacy is important to us. This notice (Privacy Notice) applies to personal information we collect from you when you use this website. If you’re a HSBC customer, or otherwise have a relationship with us, we may also have provided you with a separate privacy notice setting out how we use your personal information, which will also apply. You can also find that privacy notice by visiting the website for the product or services we provide you (for example, https://ciiom.hsbc.com/) or by contacting your customer service team.
Some of the links on this website may lead to HSBC or non-HSBC websites with their own privacy notices, which may be different to this Privacy Notice, and you should read those notices carefully.
Please note that this website is hosted in Jersey and issued by HSBC Bank plc Jersey Branch. For us to address any concerns, comments or complaints about this website most effectively, we recommend that these should be directed to either to our customer service team (details on the website), our data protection officer in Jersey or the local data protection regulator (details provided below).
For the purposes of this Privacy Notice, the data controller will be HSBC Bank plc, a company incorporated in England and Wales and operating in the Channel Islands and Isle of Man through locally regulated branches. HSBC Bank plc’s registered office is 8 Canada Square, London, E14 5HQ, United Kingdom.
The address for HSBC Bank plc (Jersey Branch) is HSBC House, Esplanade, St Helier, Jersey JE1 1HS, Channel Islands; for HSBC Bank plc (Guernsey Branch) it is Arnold House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3NF, Channel Islands; and for HSBC Bank plc (Isle of Man Branch) it is HSBC House,
Ridgeway St, Douglas IM1 2SG, Isle of Man.
We’ve also set out contact details for our data protection officer towards the end of this notice.
Information we may collect from you
We may collect and process the following information about you:
- Information that you provide to us, such as when you fill out a contact or web form, or if you register to receive alerts or updates
- Information that we obtain or learn, such as information about the browser or device you use to access this site, how you use this site and the pages you
visit, traffic and location data
We may also ask you for information if you experience problems when using this site. We may also ask you to complete surveys for research purposes, although you don’t have to respond to these.
If we have an existing relationship with you, and we are able to identify you from information obtained or provided by your use of the site, we may associate those sets of information, for example to enable us to respond to a query you have submitted.
Please note that this website is not designed or intended for children and we do not knowingly collect data relating to children.
How we use your information
We’ll only use your information where we have your consent or we have another lawful reason for using it. Unless we say otherwise below, we’ll use your personal information on the basis that it’s within our legitimate interests in operating and maintaining the site, and providing you with site functionality and related services.
We use information provided or obtained via this site to:
- respond to your queries and reports (for example, if you’ve asked a question or submitted a report via the site)
- provide you with information, products or services you have requested or which we think may interest you, unless you tell us otherwise
- carry out our obligations from any contracts entered into between you and us
- allow you to participate in any interactive features of the site
- notify you about changes to the site
- provide you with alerts or updates where you’ve consented to receive these by registering on the site. You can opt out of these at any time by clicking the “unsubscribe” link at the bottom of each email we send you.
- ensure site content is presented in the most effective manner for the device you’re accessing it from (e.g. your mobile phone, personal computer or other electronic device)
- undertake data analytics to learn more about how you and others interact with this site and with our advertising
- detect and prevent misuse or abuse of this site or our services
We also use information to meet our compliance obligations, to comply with applicable laws and regulations and to share with regulators and other authorities that HSBC Group companies are subject to. This may include using it to help detect or prevent crime (including terrorism financing, money laundering and other financial crimes). We’ll only do this on the basis that it’s needed to comply with a legal obligation, it’s in our legitimate interests and that of others or to prevent or detect unlawful acts.
Who we’ll share your information with
We may share your information in order to provide you with products or services you’ve requested (for example, if they’re not provided by the HSBC entity operating this site), if we have a legitimate interest in doing so (e.g. to manage risk, verify your identity, to combat fraud, abuse of our site or services), or where you’ve agreed to us doing so.
We may share your information with others including other HSBC group companies and (where legitimate and necessary) any of our service providers, anyone else whose products and services you’ve requested, anyone who we’re under an obligation to disclose information to or where it’s in the public interest, for example to prevent or detect fraud, abuse of our site or services).
IP addresses
We may collect information about your computer (or mobile device), including where available your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
Cookies
We use cookies and similar technologies to distinguish you from other users of this site, to improve your experience when accessing this site, and to improve
the site. Detailed information on the cookies we use and the purposes for which we use them are set out in our Cookie Policy.
How long we’ll keep your information
We keep your information in line with our data retention policy. For example, we’ll normally keep correspondence for a period of six months. This enables us to comply with legal and regulatory requirements or use it where we need to for our legitimate purposes such as dealing with any enquiries.”
We may need to retain your information for a longer period where we need the information to comply with regulatory or legal requirements or where we may need it for our legitimate purposes, e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc.
If we don’t need to retain information for this period of time, we may destroy, delete or anonymise it more promptly.
Transferring your information overseas
Your information may be transferred to and stored in locations outside the Channel Islands and Isle of Man or the European Economic Area (EEA), including countries that may not have the same level of protection for personal information. When we do this, we’ll ensure it has an appropriate level of protection and that the transfer is lawful.
You can obtain more details of the protection given to your information when it’s transferred outside the Channel Islands and the Isle of Man and EEA by contacting us using the details in the ‘More details about your information’ section below.
Your rights
You have a number of rights in relation to the information that we hold about you. These rights include:
- the right to access information we hold about you and to obtain information about how we process it;
- in some circumstances, the right to withdraw your consent to our processing of your information, which you can do at any time. We may continue to process your information if we have another legitimate reason for doing so;
- in some circumstances, the right to receive certain information you have provided to us in an electronic format and / or request that we transmit it to a third party;
- the right to request that we rectify your information if it’s inaccurate or incomplete;
- in some circumstances, the right to request that we erase your information. We may continue to retain your information if we’re entitled or required to retain it;
- the right to object to, and to request that we restrict, our processing of your information in some circumstances. Again, there may be situations where you object to, or ask us to restrict, our processing of your information but we’re entitled to continue processing your information and / or to refuse that request.
You can exercise your rights by contacting us using the details set out in the ‘More details about your information’ section below.
You have also the right to complain to the data protection regulator in the country where you live or work. For Channel Islands and Isle of Man, these are:
- the Office of the information Commissioner in Jersey by visiting www.dataci.je
- the Office of the Data Protection Commissioner in Guernsey, by visiting www.dataci.gg
- the Information Commissioner in the Isle of Man by visiting www.inforights.im
In addition if you are dissatisfied with the decision you may have a right of appeal to the courts.
How we keep your information secure
We use a range of measures to keep your information safe and secure which may include encryption and other forms of security. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information.
More details about your information
If you’d like further information on anything we’ve said in this Privacy Notice, or to contact our Data Protection Officer, contact us at HSBC House, Esplanade,
St Helier, JE1 1HS, Jersey, addressed ‘for the attention of the DPO’.
This Privacy Notice may be updated from time to time, and you’ll always be able to find the most recent version on https://ciiom.hsbc.com/legal/.
Last updated: 21st May 2018
Social Media
Social Media
Our Social Media Policy is applicable to all of the HSBC Bank plc branches across the Channel Islands and the Isle of Man. Our social media is administered by HSBC Bank Plc, Jersey Branch. HSBC Bank Plc, Jersey Branch operates channels, pages and accounts on social media sites to inform, assist and engage with customers and the public. We monitor and record comments and posts made on these channels so that we can improve our services.
We are not responsible for any content posted on these sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information or content posted on them by other users.
We do not give investment, tax or other advice via social media sites.
When you engage with us via social media your personal data may be stored and processed on servers which are outside our control. These may be in the US
or elsewhere outside of the Channel Islands and the Isle of Man. Any information posted to these social media sites may be accessed and read by the general public. As this information is not confidential, you should not discuss your financial affairs or confidential information on social media. We will never ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.
We update and monitor our social media accounts and welcome feedback and ideas submitted via these channels. We endeavor to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to our social media accounts.
HSBC Channel Islands & Isle of Man on Facebook:
Follow us at https://www.facebook.com/HSBC.ChannelIslands.IsleofMan/